You may want to seriously consider selling that house and moving to a rental somewhere that your income can support. That's your bottom line. Don't break yourself trying to hang onto a property that your kids may not even want.
Starting into that reverse mortgage now kind of limits your future options unless your area starts to recover. What is the economic forecast for your area? If things get better, you're still stuck with that old appraisal value and a growing loan balance.
If things get worse, the bank is stuck with you and your loan. Bankers get panicky in a down market. I don't know what part of the country you are in but most of the country has started to recover.
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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